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Apartment House (5+ Units)Commercial

523 12TH ST S

SAINT CLOUD, MN 56301
0
Baths
11,232 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1981
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,556 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$823,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$757,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$822,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$823,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.35
47
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
47
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Apartment House (5+ Units)
CountyStearns
HeatingThe type of heating system in the home.Gas
CoolingThe type of cooling or air conditioning in the home.None

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
South Junior High SchoolD+
Middle · Grades 6–8 · 0.6 mi
E
Talahi Community SchoolF
Elementary · Grades PK–3 · 1.1 mi
H
Tech High SchoolD+
High · Grades 9–12 · 3.8 mi

District: St. Cloud Area School District

Neighborhood · ZIP 56301These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.35,971
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.466 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,282
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,216
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

523 12th St S measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the largest homes in Saint Cloud 56301

How it measures up in Saint Cloud 56301

The dot is this home. The mark in the middle is the typical home in Saint Cloud 56301.

Living area11,232 ft²
SmallerTypical 1,391 ft²Bigger

Bigger than almost all homes nearby

Year built1981
OlderTypical 1984Newer

Newer than 47% of homes nearby

How 523 12th St S ranks against every home in each area.
MeasureThis homeSaint Cloud 56301Stearns County
Living areabigger than11,232 ft²almost all homesalmost all homes
Year builtnewer than198147% of homes49% of homes

About 523 12th St S

When did 523 12th St S, Saint Cloud, MN last sell?

523 12th St S, Saint Cloud, MN last sold on Jan 18, 2022, according to the county's recorded deed.

When was 523 12th St S, Saint Cloud, MN built?

523 12th St S, Saint Cloud, MN was built in 1981, making it 45 years old. The building has 3 stories.

What schools serve 523 12th St S, Saint Cloud, MN?

523 12th St S, Saint Cloud, MN is assigned to South Junior High School (middle), rated D+; Talahi Community School (elementary), rated F; Tech High School (high), rated D+. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 523 12th St S, Saint Cloud, MN compare to other homes in Saint Cloud 56301?

Among the 8,411 homes in Saint Cloud 56301, it is bigger than almost all of them (11,232 ft² against a typical 1,391 ft²) and it is newer than 47% of them (1981 against a typical 1984). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 523 12th St S, Saint Cloud, MN?

The 2024 property tax bill for 523 12th St S, Saint Cloud, MN was $13,556. The county assessed it at $823,000.

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